What options are there in the pension fund for flexible working models?

What options are there in the pension fund for flexible working models?

The Federal Law on Occupational Old-Age, Survivors' and Disability Pensions (BVG) defines minimum benefits for all employees from the age of 17. But nowadays, minimum benefits are scarcely enough for a person to sustain their usual standard of living after retirement. It is therefore worthwhile for every business owner to review the structure of their occupational retirement provision – both for their employees and for themselves:

  • Optimize the savings process or start earlier: Offer savings from the age of 18 or insure a higher percentage of the salary
  • Pay extra as the employer: Make higher contributions than those legally prescribed – for example, 60 percent
  • Insure higher salary proportions: Waive the coordination deduction or adjust it to the respective part-time working hours
  • Offer optional savings plans: Enable employees to save additional amounts
  • Promote continued employment after regular retirement: Continue to pay savings contributions to encourage continued employment and retain know-how
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